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How much is flood insurance in MA?
I’m debating between buying and renting a house in Massachusetts. For flood insurance, do renters and homeowners need it? How much is flood insurance in MA?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question; it’s a good idea to have a flood insurance policy whether you’re renting or buying a home. How much
flood insurance
costs in Massachusetts
depends on several factors. On average, the cost is about $1,200 per year for homeowners, but renters may end up paying less. One of the major factors that affect a flood insurance premium is whether you live within a flood zone. If you live in an area that’s at high risk for flooding, you’ll likely see a higher flood insurance premium. To see your area’s flood risk, you can use FEMA’s website.
Another factor of how much flood insurance will cost is the extent of coverage you select. Flood insurance is a separate policy from standard renters or homeowners insurance, so the cost will vary depending on the type of coverage you need and your limits. You can find flood insurance policies for homeowners and renters through FEMA’s National Flood Insurance Program (NFIP) or a private provider.
As you continue searching for insurance,
Jerry
may be able to help! With Jerry, you can search for car, renters, and homeowners insurance quotes from top providers, and you can even bundle policies for further savings. Once you’ve found the right policy for you, Jerry can even help you with setting up your new policy and canceling your old one.
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